Senior Software Engineer (Rails + Go) - Remote

Company Description At PayNearMe, we’re on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry-leading platform, PayXM™, is the first of its kind—designed to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs. Our single platform handles it all: cards, ACH, digital wallets such as PayPal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust PayNearMe to deliver a payment experience that drives real results. In September 2025, we raised a $50 million Series E funding round to accelerate our growth. We’re a team of 200+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ. Join us and be part of a team that’s shaping the future of payments—one experience at a time. Job Description As a Senior Software Engineer, you will own and develop critical code that powers our platform, enabling retailers and consumers to move billions of dollars seamlessly through integrations with various banks. Working with technologies like Ruby on Rails and Go, you will design, build, and optimize scalable systems for high-volume financial transactions. You’ll collaborate closely with cross-functional teams to deliver reliable, secure, and performant solutions, while ensuring smooth integration with multiple critical partners. Additionally, you will mentor junior engineers and drive architectural improvements, with your contributions directly influencing the platform's scalability and innovation as we grow. Responsibilities Develop and maintain high-quality, scalable, and robust code for our primary Ruby on Rails system Collaborate with cross-functional teams, including QA and product teams, to define, design, and ship new features that meet business requirements Write well-tested code using RSpec, with a strong emphasis on security, performance, and resilience (we have 95% code coverage) Make practical decisions with good judgment when faced with design constraints and trade-offs Participate in code reviews, providing constructive feedback through pull requests to ensure code quality, best practices and limit breaking changes Mentor and support team members, fostering a collaborative and inclusive environment that promotes learning and growth Participate in on-call rotations to support and maintain production systems, including incident response and resolution Qualifications Demonstrated ability to become an expert in a specific technical and business domain, with proven experience in independently mastering complex systems or technologies. We value a track record of deep specialization and problem-solving in any field Strong command of Ruby and Rails (understanding the boundaries between them) Ability and willingness to write detailed technical documentation for a wide variety of audiences Experience working in a large codebase and communicating about code Ability to make practical decisions with good judgment when faced with design constraints Commitment to writing well-tested code that considers security, performance, and resilience Respect and support for team members of all levels and backgrounds, with openness to both teaching and learning Preferred Qualifications Understanding of money movement flows—capture, settlement, disbursement, and reconciliation Prior exposure to financial data integrity concepts: double-entry ledger or general ledger design, transaction lifecycle management, variance tracking and exception reporting A working knowledge of GO Experience in modularizing monolithic applications, and when to move towards “services” vs “microservices” Familiarity with design patterns that support long-term sustainability Skills in solving complex performance problems Additional Information Location: Flexible/Remote (within the US)

Great compensation package plus extensive benefits, including:

100% Remote (must be in US) Base salary per year (paid semi-monthly) Fast- paced and professional work culture Stock options with standard startup vesting - 1 year cliff; 4 years total $50 monthly communication expense stipend to go towards your phone/internet bill $250 stipend to enhance your WFH setup Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200) Premium medical benefits including vision and dental (100% coverage for employees) Company-sponsored life and disability insurance Paid parental bonding leave Paid sick leave, jury duty, bereavement 401k plan Flexible Time Off (our team members typically take off ~3-4 weeks per year) Volunteer Time Off 13 scheduled holidays 2x / year in-person team meet-ups (2-3 days, company paid) Salary Range: $175,000 - 200,000

PayNearMe strives to create a workplace where all employees thrive. Our core values represent who we are today and we take pride in the way we work with each other as well as with our stakeholders. We’re in this together to do the right thing. We deliver real results we are proud of while remaining respectful, transparent, and flexible. PayNearMe is an equal opportunity employer. We are diligently and thoughtfully working towards cultivating a diverse workforce which in turn, enhances our products and services for the communities we serve. Applicants who represent all backgrounds are strongly encouraged to apply. — Candidate information will be treated in accordance with our job applicant privacy notice found at: https://home.paynearme.com/ccpa-privacy-notice-jobs-employees/ Assistance for Disabled Applicants Alternative formats of this Notice are available to individuals with a disability. Please let us know if you need assistance. All your information will be kept confidential according to EEO guidelines.